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Introduction
About Honey & Money Course
Your Trainer: Harsh Vardhan Dawar
Your Trainer: Akruti Agarwal Iyer
About Wealth Café
Session 1 - Money Date
Lets start with a 'Money Date'
Honey & Money Activities
Session 2 - Managing your Cash Flows
1Q. What kind of a couple are you?
2Q. Which one of you should be in charge?
3Q. How much should you save as a couple?
4Q. How many bank accounts should a couple have?
5Q. What is ‘We’ Money and ‘Me’ Money?
Tool 1 - Know your 'We Money' & 'Me Money'
6Q. Between you and your spouse’s bank accounts how should you save and invest?
7Q. How much should you contribute towards your ‘WE’ expenses?
8Q. Is it advisable to keep your finances separate from your spouse?
9Q. What to do if you change your name post marriage?
Concluding the Cashflow session
Session 3 - Taxability of transactions with family
Getting started with Taxation
1Q. Should you invest in the name of your spouse?
2Q. Can you receive gifts from your in-laws?
3Q. Will you have to pay taxes on gifts received?
4Q. When can you receive gifts from “non-relatives” and not pay taxes?
5Q. How can you reduce your taxes as a couple?
Concluding Taxation session
Session 4 - Managing your Liabilities
Getting started with Debt Management
1Q. How to manage pre-marriage loans that you or your spouse have?
2Q. How can you benefit from a credit card?
3Q. How can you maximise the use of your credit card as a couple?
4Q. How to make the most of your reward points?
Concluding Debt session
Session 5 - Start your Investments together
Introduction to Investments
1Q. Where should you invest your money?
2Q. How do you set goals as a couple?
3Q. How should you invest to achieve your goals?
4Q. How do you know your investor profile?
Tool 2 - Risk Profile Tool
5Q. How do you invest for your 'We goals' and 'Me goals'?
Tool 3 - Goal Setting Tool
Tool 4 - Retirement Tool
Tool 5 - Asset Allocation Tool
6Q. When and why should you consult a financial advisor?
Concluding the session
Session 6 - Build a safety net
Start Building the Safety Net
1Q. How can we be ready for a financial emergency?
2Q. How do the health insurance needs changes after marriage?
3Q. Should you relook at the amount of life cover you have?
4Q. What is the role of an accident policy?
Concluding the session
Session 7 - Case study of #2states couple
Know the #2States Couple
1Q. How do the #2StateCouple manage their cash flows and reduce taxes?
2Q. How the #2StateCouple make the most of their credit cards?
3Q. How the #2Statescouple optimise their insurances?
4Q. How the #2StateCouple set their goals and the investment plan?
What is the net worth of #2states couple?
Session 8 - Case study a #2BEMARRIED couple
Financial Plan of a #2BEMARRIED couple